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ADIL TIWIN DESYANA, 12401173438 (2024) PENGARUH CAPITAL ADEQUACY RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, NET INTEREST MARGIN, NON PERFORMING FINANCING, DAN FINANCING TO DEPOSIT RATIO TERHADAP RETURN ON ASSET BANK SYARIAH MANDIRI PERIODE 2011-2020. [ Skripsi ]